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home > peer data > Multi-Racial American Banks: $100M & Over (Year-End 2008)

Peer Data

Multi-Racial American Banks: $100M & Over (Year-End 2008)
 
12/31/2008
12/31/2007
12/31/2006
12/31/2005
12/31/2004
Peer Group Information
NUMBER OF BANKS IN PEER GROUP
3
3
3
3
3
Earnings and Profitability: Percent of Average Assets
NONINTEREST INCOME
1.62
1.71
1.37
1.41
1.23
NONINTEREST EXPENSE
4.35
5.31
4.77
4.45
4.35
PROVISION LOAN & LEASE LOSSES
0.93
0.32
0.09
0.01
0.21
REALIZED GAINS/LOSSES SEC
0.02
-0.01
-0.12
0.01
0.12
NET OPERATING INCOME
-0.32
-0.21
0.03
0.34
0.51
NET INCOME
-0.32
-0.21
0.03
0.34
0.51
Margin Analysis
AVG EARNING ASSETS TO AVG ASSETS
94.47
94.12
91.74
90.40
88.70
NET INT INC-TE TO AVG EARN ASSET
3.52
4.13
4.36
4.04
3.93
Loan & Lease Analysis
NET LOSS TO AVERAGE TOTAL LN&LS
0.73
0.34
0.07
0.13
0.06
LN&LS ALLOWANCE TO TOTAL LN&LS
1.20
0.95
0.98
1.12
1.40
NON-CUR LN&LS TO GROSS LN&LS
2.57
2.21
0.96
0.75
1.21
Liquidity
NET NON CORE FUND DEPENDENCE
48.31
43.25
20.30
32.67
26.06
NET LOANS & LEASES TO ASSETS
76.82
72.99
67.64
58.52
53.46
Capitalization
TIER ONE LEVERAGE CAPITAL
8.54
10.27
11.51
10.98
12.19
TIER ONE RBC TO RISK-WGT ASSETS
11.98
14.51
17.34
18.84
20.20
TOTAL RBC TO RISK-WEIGHT ASSETS
13.11
15.50
18.31
19.93
21.39
CASH DIVIDENDS TO NET INCOME
-24.40
0.00
0.00
0.00
-30.86
Growth Rates
ASSETS
16.38
8.82
4.89
11.80
15.84
TIER ONE CAPITAL
-1.28
-2.92
11.17
3.18
7.09
NET LOANS & LEASES
21.91
20.56
20.94
21.44
12.95
Banks in Selected Peer Group
FDIC Cert. Number Institution Name City State Zip County
21220 Espirito Santo Bank Miami FL 33131 Miami-dade
34548 Neighborhood National Bank San Diego CA 92113 San Diego
34643 Sunstate Bank Miami FL 33176 Miami-dade

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